Statutory Financial Examination of ALASKA NATIONAL INSURANCE COMPANY FE as of December 31, 2013

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1 Statutory Financial Examination of ALASKA NATIONAL INSURANCE COMPANY as of December 31, 2013 Issued by STATE OF ALASKA DEPARTMENT OF COMMERCE, COMMUNITY, AND ECONOMIC DEVELOPMENT DIVISION OF INSURANCE NAIC Company Code: NAIC Group Code: NIA FINAL REPORT: May 25, 2015

2 Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE GOVERNOR BILL WALKER 550 West Seventh Avenue, Suite 1560 Anchorage, Alaska Main: Fax: CERTIFIED MAIL RETURN RECEIPT REQUESTED STATE OF ALASKA DEPARTMENT OF COMMERCE, COMMUNITY AND ECONOMIC DEVELOPMENT DIVISION OF INSURANCE 550 WEST 7TH A VENUE, SUITE 1560 ANCHORAGE, AK Order ) In the Matter of Examination of ) Alaska National Insurance Company ) FINDINGS OF FACT 1. A report of examination of Alaska National Insurance Company, domiciled in the State of Alaska, has been issued by the State of Alaska, Division of Insurance, to Alaska National Insurance Company. 2. The Report of Examination of Alaska National Insurance Company () has been transmitted to Mr. Craig L. Nodtvedt, President, and Mr. Richard B. Suddock, Executive Vice President, Alaska National Insurance Company (Examinee ), and Examinee has been accorded at least 30 days opportunity to review and comment on this Report of Examination. A response from the examinee was received on June 25, The Director of the Division of Insurance has fully considered and reviewed the report, the examinee response, and any relevant portions of the examiner's work papers to the extent she considered necessary. CONCLUSIONS OF LAW 1. The written Report of Examination referred to in Finding of Fact No. 1 was issued in accordance with Alaska Statute (AS) (b ).

3 ORDER ALASKA NATIONAL INSURANCE COMPANY 2. The actions set forth in Finding of Fact No. 2 were conducted in accordance with AS (b). 3. The Director of the Division of Insurance has reviewed the Report of Examination, the examinee response, and any other relevant work papers as set forth in Finding of Fact No. 3 to the extent she considered necessary in accordance with AS SO(b ). IT IS ORDERED ORDER 1. Pursuant to AS (b)(l), the Report of Examination of Alaska National Insurance Company () is approved as filed. 2. Pursuant to AS , the Report of Examination shall be kept in the Office of the Director of the Division of Insurance and be open to public inspection. This order is effective J'una ~ Qcur. Dated this d a.., day of ~.. Qo IS"' in Anchorage, Alaska. Division of Insurance

4 TABLE OF CONTENTS Salutation... 1 Scope of Examination... 1 Summary of Examination Findings... :... 2 Significant Findings... 2 Description of Company... 2 Company History... 2 Management and Control... 2 Board of Directors and Officers... 3 Related Party Activity... 3 Territory and Plan of Operation... 4 Growth of Company... 4 Reinsurance... 5 Financial Statements... 5 Statement of Assets, Liabilities and Surplus... 6 Statement of Income... 7 Reconciliation of Capital and Surplus Account Since Prior Examination... 8 Analysis of Changes in Financial Statements Resulting from Examination... 9 Comments on Financial Statements... 9 Subsequent Events... 9 Summary of Recommendations... 9 Closing Affidavit... 11

5 May 25, 2015 THE 01ALASKA STATE GOVERN OR BILL W ALKER Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE 550 West Seventh Avenue, Suite 1560 Anchorage, AK Main: Fax: Lori Wing-Heier, Director Division of Insurance Department of Commerce, Community and Economic Development State of Alaska 550 West 7th Avenue, Suite 1560 Anchorage, AK Dear Director Wing-Heier: In accordance with your instructions and authorizations, and in accordance with statutory requirements, we have performed an examination of the financial condition and business affairs of: Alaska National Insurance Company 7001 Jewel Lake Road Anchorage, AK (NAIC CoCode 38733) SCOPE OF EXAMINATION We conducted a multi-state full-scope examination of Alaska National Insurance Company ("the Company") covering the three-year period of January 1, 2011 through December 31, The last examination covered the period of January 1, 2008 through December 31, We conducted our examination in accordance with the NAIC Financial Condition Examiners Handbook (Handbook). The Handbook requires that we plan and perform the examination to evaluate the financial condition, assess corporate governance, identify current and prospective risks of the Company and evaluate system controls and procedures used to mitigate those risks. An examination also includes identifying and evaluating significant risks that could cause an insurer's surplus to be materially misstated both currently and prospectively. All accounts and activities of the company were considered in accordance with the risk-focused examination process. This may include assessing significant estimates made by management and evaluating management's compliance with Statutory Accounting Principles. The examination does not attest to the fair presentation of the financial statements included herein. If, during the course of the examination an adjustment is identified, the impact of such adjustment will be documented separately following the Company's financial statements.

6 This examination report contains findings of fact pursuant to AS , and general information about the insurer and its financial condition. There may be other items identified during the examination that, due to their nature (e.g. subjective conclusions, proprietary information, etc.), are not included within the examination report but separately communicated to other regulators and/or the Company. Significant Findings SUMMARY OF EXAMINATION FINDINGS There were no material adverse or significant non-compliant statutory findings noted as a result of the examination of Alaska National Insurance Company as of December 31, Company History DESCRIPTION OF COMPANY Alaska National Insurance Company is an Alaska-domiciled stock insurance company organized pursuant to Title 21, Chapter 69 of the Alaska Statutes. The Company was incorporated on April 30, 1979, and received a Certificate of Authority (license #D-1285) from the State of Alaska effective September 30, 1980, authorizing them to transact the business of property, casualty, surety, health, marine, wet marine, and transportation policies. The Company currently holds the same authorities., the Company was licensed in 26 states. Management and Control The Company is the single member of a holding company system and is wholly owned by Alaska National Corporation (the Parent). There are no other affiliates or members of the holding company. The Parent is closely owned by its Officers and Directors along with current and past management and employees of the Company. The shares are privately-held and not actively traded. No significant ownership or management control changes have occurred since the previous examination. Corporate governance can be defined as the set of processes, customs, policies, laws and institutions affecting the way a corporation is directed, administered or controlled. The Board of Directors and management are the principal players in an insurer's corporate governance and are tasked with monitoring an organization's risk management activities and with establishing a control environment. The control environment represents an organization's first line of defense to mitigate all risks, including the risks of financial errors. The Company's Board of Directors is responsible for the control and management of the affairs, property and interests of the Company. The Board appoints executive officers to conduct the day-to-day operations of the Company. The composition of the Company's Board of Directors and executive management consisted of the following individuals at December 31, 2013: 2

7 Board of Directors George S. Suddock, Chairman David P. Jones, Vice Chairman Jonathan L. Block Richard L. Block June V. Hill Norman F. Kaelber Terrence E. Kordewick Pamela K. Macksey Roger L. Moseley Craig L. N odtvedt Gary B. Oehler James E. Pfeifer John L. Ramey Richard B. Suddock Bernie D. Raven Related Party Activity Executive Officers Craig L. N odtvedt Pamela K. Macksey Takashi Azegami June V. Hill Bernie D. Raven Richard B. Suddock Kristine S. Bottomley Wayne W. Bryan Elizabeth A. Humphries Terrence E. Kordewick Scott C. Lincoln Roger L. Moseley Jeffrey T. Mouck John L. Ramey Position President Secretary & Sr Vice President Treasurer Executive Vice President Executive Vice President Executive Vice President Conflict of Interest The Company has established a formal code of conduct outlining procedures for disclosure of potential conflicts of interest. Annual conflict of interest disclosure questionnaires are to be completed by all officers and directors. They are submitted to the Company's Secretary and reviewed by the Board of Directors for resolution of any potential conflicts. These statements identify any material interest or affiliation which may conflict with the duties of such person on behalf of the Company or the Parent. Affiliated Tax Agreement The Company is party to an inter-company tax allocation agreement with the Parent whereby the federal income tax return is filed on a consolidated basis. Dividends During the period under examination, shareholder cash dividends were declared by the Company and paid as follows: Payment Date January 15, 2012 April 15, 2012 July 15, 2012 September 15, 2012 December 1 7, 2012 Amount $4,000,000 $4,000,000 $4,000,000 $4,000,000 $40,000,000 ~ Ordinary Ordinary Ordinary Ordinary Ordinary 3

8 Territory and Plan of Operation Alaska National Insurance Company is authorized to transact the following kinds of business: property, casualty, surety, disability, marine, wet marine, and transportation policies. As of December 31, 2013, the Company was licensed in 26 states. Per inquiry of management, the Company does not maintain a written plan for the acquisition of business and does not employ an agency system. Also, per inquiry of management, the Company does not employ a budgeting and forecasting system but rather relies on expense reviews and comparisons of current to prioryear actual totals to identify significant variances for investigation. Growth of the Company The following schedule shows the year-end balance sheet from the beginning of the exam period, December 31, 2010, through the end of the exam period, December 31, The figures are as reported in the annual statements of the Company for the years 2011 through 2013: Admitted Year Assets Liabilities Surplus 2010 $ 677,515, 727 $ 405,889,853 $ 271,625, $ 691,475,475 $ 387,869,782 $ 303,605, $ 753,361,206 $ 459,728,948 $ 293,632, $ 830,445,066 $ 478,232,019 $ 352,213,047 4

9 Reinsurance, the Company had maximum retention of $1 million on property, $2 million on liability, and $5 million on workers compensation policies. The Company had maximum excess of loss reinsurance above retention limits of $4 million on property, $8 million on liability, and $145 million on non-alaska and $170 million on Alaska workers' compensation policies. Additionally, the Company maintains catastrophic property coverage of $33 million in excess of $2 million. The Company's reinsurance program has not changed significantly in the three years since the prior examination. At December 31, 2013, 53% of ceded premiums and 64% of net amounts recoverable from reinsurers are on policies covered by the mandatory workers' compensation pool administered by the National Council on Compensation Insurance (NCCI). In addition, 40% of total ceded premiums were ceded to four reinsurers with an A.M Best rating of 'A+' or better. The Company reported 34% of net amounts recoverable from reinsurers with an A.M. Best rating of 'A+' or better. In total, 98% of net amounts recoverable are due from highly rated reinsurers or mandated secured reinsurance pools. All reinsurance contracts provided by the Company contained all provisions required by Alaska regulations, including appropriate arbitration and insolvency clauses. Assumed reinsurance is primarily from mandatory participation in the Alaska workers' compensation pool under agreement with NCCI, as well as from the Alaska Automobile Insurance Plan administered by the Auto Insurance Provider Service Organization (AIPSO). A small amount of reinsurance is assumed under a fronting arrangement with Old Republic Insurance Company for states in which the Company is not currently licensed to write. FINANCIAL STATEMENTS The following financial statements, as reported and filed by the Company with the Alaska Division of Insurance, reflect the financial condition of the company for the period ending December 31, The accompanying comments on financial statements should be considered an integral part of the financial statements. 5

10 FINANCIAL STATEMENTS STATEMENT OF ASSETS, LIABILITIES AND SURPLUS As Reported 12/31/2013 Assets Bonds $ 498,840,918 Common stocks 139,817,058 Properties occupied by the company 1,692,081 Properties held for the production of income 297,133 Cash and short-term investments 54,223,583 Other invested assets 16,508,534 Total cash and invested assets 711,379,307 Investment income due and accrued 5,739,757 Uncollected premiums and agents' balances in the course of collection 20,535,577 Deferred premiums, agents' balances and installments booked but deferred 50,118,832 Accrued retrospective premiums 5,033,619 Amounts recoverable from reinsurers 119,510 Current federal income tax recoverable 788,069 Net deferred tax asset 14,350,702 Guaranty funds receivable or on deposit 18,089,220 Electronic data processing equipment and software 510,312 Aggregate write-ins for other-than-invested assets 3,780,161 Total Admitted Assets $ 830,445,066 Liabilities~ Sfill2lus 2 and Other Funds Losses $ 272,035, 795 Loss adjustment expenses 71,733,098 Commissions payable, contingent commissions 2,775,666 Other expenses 7,805,566 Taxes, licenses and fees 2,257,381 Unearned premiums 88,383,859 Ceded reinsurance premiums payable 8,528,138 Amounts withheld or retained by the company 6,432,958 Provision for reinsurance 51,000 Aggregate write-ins for liabilities 18,228,558 Total Liabilities 478,232,019 Sfill2lus Common capital stock 25,000,000 Gross paid in and contributed surplus 25,000,000 Unassigned funds 302,213,047 Total surplus 352,213,047 Total Liabilities and Surplus $ 830,445,066 6

11 FINANCIAL STATEMENTS STATEMENT OF INCOME Underwriting Income Premiums earned Deductions Losses incurred Loss adjustment expenses Other underwriting expenses incurred Loss adjustment fees Total underwriting deductions Net underwriting gain or (loss) Investment Income Net investment income earned Net realized capital gains Net Investment gain or (loss) As Reported 12/31/2013 $ 177,013,329 $ 67,857,234 22,982,039 53,140,121 (491,846) 143,487,548 $ 33,525, 781 $ 26,105,038 2,697,358 $ 28,802,396 Other Income or (Loss) Net loss from agents' balances charged off Total other income or (loss) Net income before federal income tax Federal income taxes incurred Net income (loss) $ (74,973) $ (74,973) $ 62,253,204 11,942,430 $ 50,310,

12 FINANCIAL STATEMENTS RECONCILIATION OF CAPITAL AND SURPLUS ACCOUNT Common Surplus Stock Paid-In Unassigned Total Balance at December 31, 2010 $ 25,000,000 $ 25,000,000 $ 221,625,874 $ 271,625,874 Net income ,936,951 33,936,951 Change in net unrealized capital gains orlosses (net of taxes) (709,751) (709,751) Change in net deferred income tax 20,992 20,992 Change in non-admitted assets (1,268,373) (1,268,373) Balance at December 31, 2011 $ 25,000,000 $ 25,000,000 $ 253,605,693 $ 303,605,693 Net income ,892,389 20,892,389 Change in net unrealized capital gains or losses (net of taxes) 6,722,249 6,722,249 Change in net deferred income tax 441, ,964 Change in non-admitted assets 1,947,963 1,947,963 Change in provision for reinsurance 22,000 22,000 Dividends to stockholders ( 40,000,000) ( 40,000,000) Balance at December 31, 2012 $ 25,000,000 $ 25,000,000 $ 243,632,258 $ 293,632,258 Net income ,310,774 50,310,774 Change in net unrealized capital gains or losses (net of taxes) 9,155,332 9,155,332 Change in net deferred income tax ( 5,262,241) ( 5,262,241) Change in non-admitted assets 4,376,924 4,376,924 Balance at December 31, 2013 $ 25,000,000 $ 25,000,000 $ 302,213,047 $ 352,213,047 8

13 ANALYSIS OF CHANGES IN FINANCIAL STATEMENTS RESULTING FROM THE EXAMINATION No adjustments to the financial statements filed as of December 31, 2013 were made to surplus as a result of the examination. COMMENTS ON FINANCIAL STATEMENTS There are no additional comments on the financial statements filed as of December 31, 2013 as a result of the examination. SUBSEQUENT EVENTS There were no subsequent events that occurred between the end of the valuation period of this examination and the date of this report to be of significance for comment. SUMMARY OF RECOMMENDATIONS There were no recommendations to be made within the scope of this report of examination. 9

14 CLOSING This examination was conducted in accordance with practices and procedures promulgated by the NAIC. This examination also includes a compliance review of applicable Alaska Statutes and Regulations. In addition to the undersigned, the following examiners participated in the examination from the Alaska Division of Insurance: Insurance Financial Examiner I Douglas Hartman, APE, and Actuary Sarah McN air-grove, FCAS, MCAA. Also participating in the examination were contract examiners from Risk and Regulatory Consulting, LLC, as follows: Cathie A. Stewart, CFE; Alan Gutierrez-Arana, QSA, PCIP, CISA, CRISC; Jaki Gardner, CFE; Darin D. Benck, CFE; Stephan Dank; and Emma Bebee. We wish to express our appreciation for the courteous cooperation and assistance extended to us by the management and staff of Alaska National Insurance Company during the course of this examination. This report is respectfully submitted, Maxine L. Froemling, CFE Chief Financial Examiner 10

15 AFFIDAVIT Anchorage, Alaska ) June 19, 2015 ) ) STATE OF ALASKA ) THIRD JUDICIAL DISTRICT ) I, the undersigned, being duly sworn, do verify that the report of examination as of December 31, 2013, of Alaska National Insurance Company, an Alaska-domiciled company holding Certificate of Authority #D-1285, is true to the best of my knowledge and belief. ichard B. Foster, CFE Examiner-in-Charge Maxine L. Froemling, CFE Chief Financial Examiner. q 1h-- J Subscribed and sworn to before me this / day of_=--j_ Jl_le,

Ultimate Parent: Alaska National Corporation ALASKA NATIONAL INSURANCE COMPANY. Anchorage, Alaska

Ultimate Parent: Alaska National Corporation ALASKA NATIONAL INSURANCE COMPANY. Anchorage, Alaska Anchorage, Alaska A Ultimate Parent: Alaska National Corporation ALASKA NATIONAL INSURANCE COMPANY 7001 Jewel Lake Road Anchorage, AK 99502-2825 Web: www.alaskanational.com Tel: 907-248-2642 Fax: 907-266-9252

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